WHY IT IS NECESSARY

While you may believe that you have all of the necessary insurance coverage a tradie needs, you may still find yourself lacking if you do not have general property insurance. Known by most tradespeople as “tool insurance,” general property insurance is crucial if you are a tradie with a great many tools of your trade to protect. It is an unfortunate misconception that public liability insurance will cover the loss of or damage to your professional equipment. Your public liability policy provides cover for loss or damage to other’s property and not yours.

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DO I HAVE ENOUGH?

As with other types of insurance needed by tradies, general property insurance policies can vary significantly. We recommend that you are sure your gear has an adequate cover by occasionally checking the replacement cost of items you use regularly. Using this information, we make sure that your policy will meet your needs and not leave you in the lurch. We work with a great many tradies who believed their cover was satisfactory until they checked the replacement costs of some big-ticket items and specialized pieces of equipment.

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COVERAGE

It is important to remember that general property insurance typically only covers equipment considered portable. Tools and machinery permanently located in your place of business will be covered under the policy written for your business contents.

General property insurance covers a range of occurrences. These include (but are not limited to):

  • Theft of items after a forced entry
  • Damage to equipment by a storm or fire
  • Equipment damage caused by a vehicle collision
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You can request we write in extensions for your policy; depending on your specific trade, these may or may not be necessary for you. While we want you to have all of the coverage you need to keep your business safe, some coverage is not a necessity.

  • Flood damage
  • Open- air theft ( a robbery with no sign of forced entry)
  • Accidental damages

Having a solid general property insurance policy gives many tradies a great deal of peace of mind. We can assist you with the details and specifics so that your insurance plan has the cover you need. Feel free to call and set up an appointment to review your present coverage. We believe that it is always better to be safe than sorry.

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Other Services

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